LTV by Nationality

Loan-to-Value (LTV) caps set by the Central Bank of the UAE. Find your maximum borrowing power as a resident or non-resident. 20 nationalities covered.

Understanding LTV

What is LTV?

LTV = Loan-to-Value. It's the ratio of your loan amount to the property's purchase price. An 80% LTV means you borrow 80% and pay 20% down payment. Higher LTV = less down payment but higher borrowing costs.

Who Sets LTV Caps?

The Central Bank of the UAE (CBUAE) sets maximum LTV caps based on nationality, residency status, property value and whether it's a first or second property. Banks cannot lend above these caps.

Residents (UAE Visa Holders)

Nationality	First Property LTV	Second Property LTV	Max Loan (AED)
UAE National	80%	60%	No limit	Details →
GCC Resident	75%	55%	No limit	Details →
Indian Resident	75%	55%	No limit	Details →
British Resident	78%	58%	No limit	Details →
American Resident	78%	58%	No limit	Details →
German Resident	78%	58%	No limit	Details →
French Resident	78%	58%	No limit	Details →
Russian Resident	72%	52%	No limit	Details →
Chinese Resident	75%	55%	No limit	Details →
Saudi Resident	75%	55%	No limit	Details →
Pakistani Resident	72%	52%	No limit	Details →
Egyptian Resident	70%	50%	No limit	Details →
South African Resident	76%	56%	No limit	Details →
Canadian Resident	78%	58%	No limit	Details →
Australian Resident	78%	58%	No limit	Details →
Italian Resident	78%	58%	No limit	Details →

Non-Residents (Tourist/Short-Stay Visas)

Nationality	First Property LTV	Second Property LTV	Max Loan (AED)
GCC Non-Resident	50%	40%	AED 5.0M	Details →
Indian Non-Resident	50%	40%	AED 3.0M	Details →
British Non-Resident	55%	40%	AED 6.0M	Details →
American Non-Resident	55%	40%	AED 6.5M	Details →
Saudi Non-Resident	50%	40%	AED 4.0M	Details →

Central Bank LTV Rules

First Properties Under AED 5M

Residents: up to 80% LTV. Non-residents: up to 50–60% LTV (depends on nationality and lender appetite).

First Properties AED 5M–AED 10M

Residents: 70% LTV. Non-residents: 50% LTV. Some banks offer 75% LTV for residents in this range.

Second Properties

Residents: 60% LTV. Non-residents: 40% LTV. Additional documentation and higher rates typical.

Debt-to-Income Ratio

Banks must stress-test affordability. Your total monthly debt (mortgage + other loans) cannot exceed 50% of gross monthly income for residents, 40% for non-residents (varies by bank).

Property Type Variations

Land is not mortgageable. Ready apartments and villas get standard LTV. Off-plan properties may have slightly lower LTV (typically 5–10% less). Furnished properties sometimes carry lower LTV than unfurnished.